62254 — St. Clair County, Illinois Market Snapshot
Housing market data for zip code 62254 in St. Clair County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$211,000
Days to Sell
23
Homes Sold
25
Inventory
15
Sale-to-List
99.1%
New Listings
33
Price/SqFt
$136
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 62254 can comfortably use conventional financing. The median home price of $211,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 62254 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 62254 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 62254 can comfortably use conventional financing. The median home price of $211,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 62254 are set at the county level.
2026 Loan Limits — St. Clair County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 62254
To purchase the median home at $211,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,767.
Monthly Payment
$1,767
Income Required
$75,712
Principal & Interest
$1,300/mo
Down Payment (5%)
$10,550
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 62254.
Estimated Monthly Payment
$1,456
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